Real Talk: Loans, Refinancing, & Beyond

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Why You Don’t Need To Fear Today’s Mortgage Rates

Mortgage rates may feel intimidating, but waiting for the perfect rate could cost you more in the long run, especially in active California markets. A drop below 6% is likely to bring more buyers and higher prices. Acting now can give you better options and stronger negotiating power.

Why Home Prices Aren’t Actually Flat

Reports of “flat” home prices don’t tell the whole story. Local market data across California reveals key differences that could impact your buying or selling strategy this season.

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Should You Consider Refinancing? Key Points to Think About

Refinancing your mortgage can open the door to lower payments, faster payoff, or even extra cash for renovations and debt consolidation. This guide breaks down the different types of refinancing, the pros and cons, and the costs involved so you can decide if it’s the right move for your financial goals.

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The Truth About Credit Scores and Buying a Home

Your credit score plays a big role in the homebuying process. It’s one of the key factors lenders look at to determine which loan options you qualify for and what your terms might be. But there’s a common myth about credit scores that may be holding some buyers back from becoming homeowners.

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What To Save for When Buying a Home

Knowing what to budget for when buying a home may feel intimidating—but it doesn’t have to be. By understanding the costs you may encounter upfront, you can take control of the process and be financially prepared.

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How Home Equity Can Help Fuel Your Retirement

If retirement is on the horizon, now’s the time to start planning for your next chapter. You want to make sure you’re financially secure so you can enjoy the lifestyle you’ve worked hard for.

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Time in the Market Beats Timing the Market

Trying to decide whether it makes more sense to buy a home now or wait? There’s a lot to consider, from what’s happening in the market to your changing needs. But generally speaking, trying to time the market isn’t a great strategy—there are too many unpredictable factors at play to make it possible.

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*This does not represent an offer or solicitation for the sale or purchase of any specific mortgage product from Lend Mortgage Solutions. Eligibility for mortgage loans from Lend Mortgage Solutions is subject to specific requirements, which may include credit score, employment history, income level, and other relevant factors. Please note that meeting these minimum eligibility requirements does not guarantee loan approval. The terms, rates, and conditions of any mortgage loan from Lend Mortgage Solutions may vary significantly based on Lend Mortgage Solutions policies and the applicant's creditworthiness. Before entering into any loan agreement, applicants are strongly encouraged to thoroughly read and understand all associated terms and conditions. Independent financial and legal advice is recommended to fully comprehend the implications and suitability of any mortgage loan product to an individual's specific circumstances. Conditions and exclusions apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines.
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50-50 Mortgage Inc. DBA: Lend Mortgage Solutions is a Licensed Real Estate Broker, California Department of Real Estate. NMLS #2289265 DRE #02172716 | Equal Housing Opportunity | For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply.

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